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April is National Safe Digging Month, reminding Florida residents to call 811 before planning any digging projects. With the arrival of Spring, many homeowners use this time of year to update their landscape by planting flowers and trees around their homes. As a responsible homeowner, safe digging should be a top priority.

Accidents happen, which is why liability coverage is a component of your homeowners insurance policy. Understanding what is covered within your homeowners insurance policy will provide you with the peace of mind you need in case the unexpected occurs.

Floods can occur at any time, and with the arrival of Spring, the chances of rain are increased. Flooding is completely unpredictable and can cause billions in damages. You do not have to live in a flood zone to experience flooding. In fact, 20 percent of all flood claims are filed from homes located outside a high-risk flood zone, according to floodsmart.gov.

One of the easiest ways to give your home a fresh new updated look for the new year is with a fresh coat of paint. All the color options, techniques, and equipment available at your local hardware store may seem intimidating, but it doesn't have to be stressful.

If you have ever wanted to find ways to lower your home insurance premium or find additional discounts to your premium, consider adding additional security to your home. All insurance policies are different so be sure to speak to your agent about the cost-effectiveness of installing one of these devices in your home.

As the new year begins, you may be evaluating different home improvement opportunities around your home. When reviewing your home for needed repairs, upgrades, and yearly maintenance; also take some time to speak to your agent about your current homeowners policy, the carriers underwriting guidelines, and how you can increase your peace of mind while, possibly, lowering your premium.